1. Assess Your Financial Health
– Review your income, savings, debts, and credit score.
– Determine how much you can afford for a down payment and monthly EMIs.

2. Set a Realistic Budget
– Include not just the property cost but also registration fees, stamp duty (5–7%), maintenance, and furnishing costs.

3. Get Pre-Approved for a Home Loan
– This helps you understand your loan eligibility and strengthens your position when negotiating with sellers.

4. Research the Local Market
– Study property trends, price appreciation, and future development plans in the area.

5. Choose the Right Location
– Prioritize proximity to work, schools, hospitals, and public transport. Consider safety and infrastructure.

6. Inspect the Property Thoroughly
– Check construction quality, layout, ventilation, and legal clearances. Don’t skip a site visit.

7. Verify Legal Documents
– Ensure the property has clear title, RERA registration, and no pending dues or litigations.

8. Understand the Builder’s Reputation
– Look into past projects, delivery timelines, and customer reviews before committing.

9. Plan for Long-Term Needs
– Think about future family size, resale value, and adaptability of the space over time.

10. Don’t Rush the Decision
– Take your time comparing options, negotiating prices, and reading contracts before signing.